Elephant Insurance Company
Carrier website links, underwriting access points, mapped product lines, and appetite notes in one place.
This appetite summary is only a guide. Confirm eligibility, submission requirements, restrictions, and binding authority directly with the carrier or underwriter before relying on it.
Carrier appetite summary
Elephant Insurance Company is a personal-lines carrier focused on private passenger auto in select states (GA, IL, IN, MD, OH, TN, TX, VA). State‑specific, filed underwriting manuals are available to appointed agents through the External Agencies portal; these are not provided to customers and should be referenced for final eligibility, rating factors, and rule details for each jurisdiction.([external-agencies.knowledgeowl.com](https://external-agencies.knowledgeowl.com/help/underwriting-guideline-documents)) Preferred business (high level, from agent materials and product footprint): - Standard personal auto risks in the listed states, written on a filed guideline basis by state. The manuals linked from the "Underwriting Guideline Documents" article are the operative appetite/eligibility rules and must be consulted for details such as acceptable vehicle types, driver profiles, violations/accident tolerance, and coverage options.([external-agencies.knowledgeowl.com](https://external-agencies.knowledgeowl.com/help/underwriting-guideline-documents)) - Core distribution is through appointed agencies using the Elephant agent portal for quoting and binding; portal workflows enforce most eligibility rules at point of quote. Restricted/declined business (operational expectations): - Elephant explicitly does **not** underwrite homeowners; agency partners cannot place HO directly with Elephant, and there is no active bundled discount for agency business at this time. Agents should not attempt to bind HO as an Elephant‑underwritten product and should manage client expectations accordingly.([external-agencies.knowledgeowl.com](https://external-agencies.knowledgeowl.com/help/elephant-at-a-glance-e66bb8d?utm_source=openai)) - Binding restrictions may be imposed ahead of major weather events to control catastrophe exposure. Agents must check for active binding restrictions within the portal or internal communications before binding in impacted areas.([external-agencies.knowledgeowl.com](https://external-agencies.knowledgeowl.com/help/quoting-binding?utm_source=openai)) - Salvaged vehicles: tech support and agents cannot change salvage title status sourced from external data; if an insured disputes a salvage designation, they must resolve it directly with the DMV. Policies must be rated and underwritten on the status returned in Elephant’s data; do not override in the portal.([external-agencies.knowledgeowl.com](https://external-agencies.knowledgeowl.com/help/elephant-at-a-glance-e66bb8d?utm_source=openai)) - Post‑bind underwriting decisions (e.g., reversals based on new information such as prior insurance or undisclosed drivers) can *only* be corrected by Elephant underwriting; agencies cannot edit some fields (like prior insurance) after certain workflow stages. Geographic notes: - Filed guidelines and eligibility are state‑specific. The current state set shown in the agent underwriting article is: Georgia, Illinois, Indiana, Maryland, Ohio, Tennessee, Texas (with a separate TCM document), and Virginia. Agents must use the correct state manual link when evaluating submissions and must not assume cross‑state eligibility or rating parity.([external-agencies.knowledgeowl.com](https://external-agencies.knowledgeowl.com/help/underwriting-guideline-documents)) - Temporary binding restrictions may apply in specific counties/ZIPs during CAT‑prone events (storms, hurricanes, etc.); these are administered centrally and enforced in the portal. Submission and documentation requirements (agents): - All new business should be quoted and bound through the agency portal. Use the "Quoting & Binding" guidance for operational steps, including retrieving quotes via Agent ID and quote number.([external-agencies.knowledgeowl.com](https://external-agencies.knowledgeowl.com/help/quoting-binding?utm_source=openai)) - Additional pre‑bind reports (RCPOS and other required reports) and any required photo inspections are detailed in separate portal articles linked under "Quoting & Binding"; these must be completed when triggered by the system before binding coverage. - When underwriting discovers information conflicts after bind (e.g., prior insurance mis‑stated), agents cannot edit certain key fields themselves. Supporting documents (such as proof of prior insurance or other underwriting evidence) must be sent to underwriting via the designated email underwritingdocuments@elephant.com for review and correction.([external-agencies.knowledgeowl.com](https://external-agencies.knowledgeowl.com/help/quoting-binding?utm_source=openai)) - Underwriting questions and post‑bind issues are handled by Elephant’s underwriting/customer service teams per the contact article, with dedicated lines and email addresses for agents (including underwriting@elephant.com and a post‑bind underwriting phone number). Agents should not give these internal contacts to customers.([external-agencies.knowledgeowl.com](https://external-agencies.knowledgeowl.com/help/contact-us-63c8c7e?utm_source=openai)) Broker/producer operational notes: - The External Agencies knowledge base is the primary, current source of agent procedures and underwriting documentation. The "Underwriting Guideline Documents" article (last updated September 29, 2025) provides links to the filed state manuals and should be treated as the authoritative reference for risk eligibility and rules.([external-agencies.knowledgeowl.com](https://external-agencies.knowledgeowl.com/help/underwriting-guideline-documents)) - The "Elephant at a Glance" and related portal articles clarify that the agent portal is for agencies that service their own policies and that once a policy is bound, servicing (including underwriting‑related changes) is generally handled through Customer Service rather than the pre‑bind agent support line.([external-agencies.knowledgeowl.com](https://external-agencies.knowledgeowl.com/help/elephant-at-a-glance-e66bb8d?utm_source=openai)) - Agents must not share internal or agent‑only portal content with insureds; the manuals are explicitly described as not sent to customers. In practice, treat Elephant as a standard‑to‑nonstandard private passenger auto market in its active states, governed strictly by the filed state manuals accessible from the agent portal, with tight central control over binding restrictions, salvage title treatment, key data corrections, and post‑bind underwriting decisions.